Out with the Old. In with the New!

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1 News & Updates from The Pinnacle Benefits Group 3rd Quarter 2015 Out with the Old. In with the New! If using Healthcare.gov gave you a headache last year, our new ACA enrollment tool is just what the doctor ordered. InsureSync delivers a superior ACA enrollment tool and true Customer Relationship Management platform. It delivers just what you need, at just the right time, with no strings attached, and at a price you can t pass up! And this offer is only available through PBG! InsureSync makes enrollments simple and quick and allows you to manage all your client relationships. Use the CRM for ACA clients, Med Supp clients, MAPD clients -- anyone! SIMPLE No Healthcare.gov User Account No More Missing NPN Issues No More Lost Commissions QUICK 10 Minute Enrollments Subsidy Calculator Quote & Submit All Carriers FREE! Not a Rebate Program No Minimum Required No Gimmicks InsureSync is your link to successful ACA enrollments. Contact us today to get started. Don t Want the Certification Hassle? Then talk to us about our ACA Referral Program to get hassle-free income! (See page 2 for details)

2 INDIVIDUAL HEALTH Does Your GAP Plan Do All This? UnitedHealthOne Your Choice! Compare and see! When you consider rates, benefits and commissions, you ll choose the Grand American Plan (GAP) as the supplemental plan for your major medical clients! $10,000 Accident Benefit $16.30/Mo. $10,000 Critical Illness Benefit $8.92/Mo.* $50,000 AD&D $1.25/Mo.* * Age Female Can your current plan do all that? Find Out More Watch a one-minute video! Then run your next quote on Demo.GrandAmericanPlan.com Underwritten by LifeShield National Insurance Company With competitive ACA plans, Short-Term Medical plans, and supplemental health plans that round-out coverage, United Healthcare has the products and brand recognition to make it your #1 choice. ACA Plans u On-Exchange Expansion! u Excellent Commissions Short-Term Medical F Plans with Rx Copays F Plans with Doctor Office Copays Supplemental Plans v Dental with Optional Vision v New SafeGuard Products Call us to get started! UnitedHealthOne is a brand representing the portfolio of insurance products offered to individuals and families through the UnitedHealthcare family of companies. Golden Rule Insurance Company or UnitedHealthcare Life Insurance Company is the underwriter and administrator of these plans. On exchange insurance coverages are provided through underwriters and administrators affiliated with United HealthCare Services, Inc. Your ACA Enrollment Source The ACA Referral Program is a terrific way to earn income without the hassle of ACA certification. It s great for producers who: l Aren t ACA-certified and who have leads needing ACA coverage l Are certified, but don t have access to a specific product or carrier Refer your ACA leads to PBG. They will receive professional, courteous service, and you earn a nice referral fee! Call us to sign up!

3 SENIOR MARKET MAPD & PDP Enrollment Season is Almost Here Are You Ready-to-Sell? PBG is your headquarters for Medicare Advantage and Part D plans. Tell us where you re selling and we ll give you the most popular plans with the top carriers. s Top Carriers & Products s Competitive Intelligence s Market Expertise s Certification Guidance Call for details! Aetna Care N Care Cigna-Healthspring Coventry Gateway Health HealthTeam Advantage Humana SilverScript United Healthcare Contact your Marketing Team for info about MAPD and PDP plans in your market. Get e-fficient with e-app Medicare Supplement producers continue to flock to Mutual of Omaha s Med Supp e-app. It s no wonder with advantages like these: n Underwriter review in 10 minutes n Average issue time < 2 days n 100% complete apps every time n DOUBLE Marketing Credits Numbers Don, t Lie You ve seen the statistics. 1 in 2 men and 1 in 3 women will get cancer in their lifetime. Give clients peace of mind and a more comprehensive insurance program with First Diagnosis Cancer insurance from Continental Life Insurance Company of Brentwood, Tennessee, an Aetna Company. n e-app sandbox for practicing You can also take the e-app directly to clients with Mutual of Omaha s new Consumer Online Application. It s a great way to reach out to a growing demographic. Experience e-app once and you re hooked! Your existing clients are perfect prospects!

4 LIFE & ANNUITY Final Expense Sales Ideas Final Expense insurance is a terrific product. It s affordable, easy to get, and pays a great commission! How do you make more sales? Here are some conversation starters: D Do you have life insurance? While no is an ideal response, a yes reply leads to a review of their needs! D May I look at your life policy? It s not uncommon to find that people don t have what they thought they had! Look Who s No. 1! American National s Palladium Single Premium Immediate Annuity ranks first. Another reason to choose ANICO as your annuity provider! D Who is your life insurance agent? Most people don t have an agent. That s where you fit in! Call your PBG Marketing Team. They ll find the perfect plans for you! Call us for your next SPIA quote! Universal Life with a Hook! Having a hook can be just what you need to close a deal. United of Omaha s Guaranteed Refund Option helps you seal the deal by giving your clients solutions to their needs. It s included at no cost on all qualifying GUL and GUL Plus policies! Alternative to Return of Premium Term Get all the advantages of permanent insurance, and still have the option to surrender the policy and receive premiums back. Supplement Retirement Savings When coverage is no longer needed, surrender the policy and use the return of premiums to supplement retirement income. Flexible Options for Business Owners Businesses can exercise the refund options when Key-Person and Cross- Purchase policies are no longer needed. Use the Guaranteed Refund Option to GRO your life business!

5 PRESIDENT S PERSPECTIVE Tis the Season for Sales! The 4 th Quarter has become the busiest of seasons, and not just because of the Holidays! For those of you working the Senior Market, you devote hours and hours to Medicare Advantage and Part D. The last three months of the year are traditionally the biggest Medicare Supplement months as well. Additionally, the 4 th Quarter now includes Affordable Care Act open enrollment in the Under 65 market. It s hard to imagine things could get busier, but there s no sign of slowing down. So, whether you re in the Senior Market, the Under 65 market or both, there is great opportunity -- and also huge demands upon your time. That s where Pinnacle Benefits Group can help. In the Senior Market, we have all of the top carriers. You ll see our MAPD and PDP carriers on page 3 of this newsletter, and you can use our Med Supp rate comparison tool to stay current with carrier rates in your area. For the Under 65 market, we re tremendously excited about the new InsureSync ACA enrollment system. InsureSync will simplify and speed up your ACA enrollments significantly a big time-saver for you! and it has a robust Customer Relationship Management feature that lets you consolidate all your sales activities into one easy-to-use platform. Did I mention that it s also FREE through PBG? Finally, please be aware that our Marketing Teams are here to support our distribution partners like you. They have the knowledge and the tools to help, and they re very excited about making your upcoming selling season easier. Best wishes for a successful 4th Quarter! Raymond C. Richard President & Chief Executive Officer Senior Market Lead Program We re committed to helping you grow your senior business. That s why we offer a terrific Senior Market Lead Program with sensible qualification requirements. YOU... Issue 5 Medicare Advantage, Final Expense or Medicare Supplement policies. Any calendar month! Any combination! All carriers! WE... Pay 50% of the cost for your next lead order. You can even use the vendor of your choice! Call Your Marketing Team for More Information!

6 l Easy ACA Enrollments l Does Your GAP Plan Do This? l Affordable Cancer Insurance l ACA Referral Program l Senior Market Lead Program l #1 Ranked SPIA SEE WHAT S NEW Make Life Count October 1 - December 31 is prime time for more bonus PinnaclePoints. Receive DOUBLE points on LIFE apps written from 10/1/15 through 12/31/15 and issued by 1/15/16. Term Life Universal Life Whole Life Final Expense Products with all carriers count! Visit Still time to earn double points on Med Supp too! Return of Premium Term is Here! Path Protector Return of Premium Term offers the best of both worlds -- life protection if clients need it, and money back if they don t. l $25,000 - $250,000 l Non-Medical Underwriting l 20 or 30 Year Plans When the initial term period ends on an in-force policy, your client can exercise the Return of Premium option! Get started with Illinois Mutual! Affordable Home Health Care Need an affordable solution for in-home recovery from an illness or injury? Try Savers Advantage Home Health Care Insurance. * Rates vary by state Get coverage for: Skilled Nursing Care Home Health Care Aide Therapy Rx Drugs & More! It s an ideal complementary product for AEP! Available now in AL, AR, GA, IN, LA, MS, MO, NC, OH, OK, SC, TN and UT. Underwritten by: Standard Life and Casualty Insurance Company Pinnacle Press is for agent use only. Plans, benefits and features may not be available in some states. Contact PBG for additional information.